一、金融支持产业经济转型面临的困难

a/Financial support industry are faced with the difficulty of economic transformation

　　第一：金融机构难以把握信贷政策，支持新兴产业力度不够。新兴产业科技含量高、专业性强，金融机构对这一领域缺乏深入了解，难以准确把握。第二：中、小型高科技企业贷款难问题突出，资金缺口仍较大。第三：金融资源向发展水平高的区域集中，区域经济协调发展的矛盾依然存在，特别是政府融资平台积聚的风险，阻滞了经济发展方式转变的速度。第四：国家产业政策“一刀切”，导致部分限制行业高端企业贷款紧张。在贯彻落实国家相关产业政策，促进产能控制、实现节能减排的同时，金融机构在具体执行信贷政策时普遍存在“一刀切”现象，不利于行业内优质企业发展，阻碍了产业内部的结构升级。第五：传统“两高一资”产业信贷退出缓慢，弱化了金融对产业结构调整的支持力度。

The first:Financial institutions is hard to control the credit policy,Support emerging industry is not strong enough.Emerging industry high science and technology content/Professional and strong,Financial institutions in this area lack of thorough understanding,Difficult to grasp.The second:in/Small high-tech enterprise loans difficult problems,Financing gap is still large.The third:Financial resources to the development level of high concentration area,The region economy coordinated development contradictions still exist,Especially the government financing platform for the risk of accumulation,Block the economic development mode change speed.The fourth:The state industrial policy"One size fits all",In some limited industry high-end enterprise loan nervous.In the implementation of the relevant national industrial policy,Promote capacity control/At the same time to realize energy conservation and emission reduction,Financial institutions in the concrete implementation credit policy widespread"One size fits all"phenomenon,In the industry to high quality enterprise development,Hindered the industry internal structure upgrade.The fifth:The traditional"A two ("Industry credit out slowly,The weakening of the industrial structure adjustment of financial support.

　　二、金融支持产业经济转型升级的措施及建议

two/The financial support of the transformation and upgrade of the industrial economic measures and Suggestions

　　第一：金融应加强对新兴产业的支持

The first:Financial should strengthen the emerging industry support

　　目前，我国已经将新能源、节能环保、电动汽车、新材料、医药、生物育种和信息通信七大产业列为重点扶持对象，加快淘汰“两高一资”行业。因此，金融业必须树立长远战略眼光，加快制定实施以新能源信贷支持为主的战略性新兴产业的金融服务与创新规划方案。

At present,Our country has put a new energy/Energy conservation and environmental protection/Electric car/The new material/medicine/Biological breeding and information communication seven big industry as an important support object,To speed up the elimination"A two ("industry.so,The financial industry must establish long-term strategic vision,To speed up the implementation of the new energy mainly credit support strategic emerging industry of financial services and innovation plan.

　　第二：金融应加强对中小企业的支持

The second:Financial should strengthen the support to small and medium-sized enterprises

　　加快发展中小企业尤其是个体私营企业，对于经济转型有着十分重要的意义。政府部门应制定出台金融支持地方经济发展激励政策，鼓励金融机构积极调整信贷结构，大力支持符合国家产业政策、有市场、有技术、有发展前景的中小企业的融资需求，重点培育科技含量高、经济效益好、创新能力强、自主效益好的优质中小企业，建立一套适合其发展的信贷管理体制。

Accelerate the development of small and medium-sized enterprise especially private enterprise,For the economic transformation has a very important significance.The government department should formulate the issued financial support local economic development incentive policy,To encourage financial institutions actively adjust the credit structure,Support in conformity with the state industrial policies/There is a market/Have technical/Have the prospects of development of small and medium-sized enterprise financing demand,Cultivate a high content of science and technology/Better economy benefit/Innovation ability/Independent benefit good quality of small and medium-sized enterprise,Set up a set of suitable for the development of the credit management system.

　　第三：金融应加强对“三农”的支持

The third:Should strengthen the financial"Agriculture, countryside and farmers"support

　　金融业要加强与农业部门的沟通协作，积极对接地方经济发展战略，有效支持和引导县域经济结构调整优化。要大力推动银行与农业产业化龙头企业实现对接，积极为农田水利基本建设提供多元化融资便利，为农业机械化的推进提供适合的贷款支持，为农业科技创新和推广提供良好的金融服务。要鼓励商业性保险机构加大对农业领域的支持力度，建立多种形式的农业保险组织，充分发挥农业保险防范风险作用。

The financial industry to strengthen the communication and cooperation with the department of agriculture,Positive butt local economic development strategy,Effective support and guide the development of the county economy structure adjustment optimization.To vigorously promote the bank and the industrialization of agriculture leading enterprises to realize a butt joint,Positive for irrigation and water conservancy provide diversified financing facilities,For the advancement of agricultural mechanization to provide loans to support,For agriculture science and technology innovation and promotion provide good financial services.To encourage commercial insurance institutions to increase agriculture support,Establish various forms of agricultural insurance organization,Give full play to agricultural insurance risk prevention role.

　　第四：金融应加强自身的改革创新

The fourth:Financial should strengthen their innovation

　　在转变经济发展方式的进程中，金融管理部门要采取措施鼓励金融机构积极适应经济结构调整和经济发展方式转变的要求，下放授信权限，合理布局服务网点，努力开拓信贷业务，积极开展差异化信贷服务；拓宽银行间市场直接融资渠道，鼓励符合条件的地方法人金融机构加入全国银行间债券市场，拓宽地方法人金融机构的资金融通渠道，增加地方有效资金供给。进一步推动金融市场创新发展，推动商业承兑汇票市场提速发展。着力引导金融机构摆脱粗放型经营老路，大力发展中间业务，创新负债模式，深入推进金融产品、工具、服务创新。推进科技金融创新跨越式发展，加强金融资源整合，推动银行机构、风险投资、私募基金、小额贷款公司的密切合作。

In the transformation of the mode of economic development process,Financial management departments should take measures to encourage financial institutions to actively adapt to the economic structure and economic development mode change requirements,Lower credit authority,Reasonable layout service outlets,Efforts to develop credit business,Actively carry out credit service differentiation;Broaden the interbank market direct financing channels,Encourage qualified local corporate financial institutions to join the national inter-bank bond market,Broaden the local corporate financial institutions financing channels,Increasing the local effective money supply.Further promoting the innovation and development of financial markets,Promote the commercial acceptance draft market development speed.Strive to guide financial institutions to get rid of the extensive management approach,Vigorously develop intermediary business,Innovation mode of liabilities,Further financial products/tool/Service innovation.Propulsion technology financial innovation great-leap-forward development,To strengthen the financial resource integration,Banking institutions to promote/Risk investment/Private equity fund/Small loan companies close cooperation.